HDFC BANK · CHECKED 22 OCT 2026
HDFC Bank Regalia Gold Credit Card
Short answer
HDFC Bank Regalia Gold Credit Card earns its highest rewards on Myntra (6.25% as Reward Points), Nykaa (6.25% as Reward Points) and Reliance Digital (6.25% as Reward Points). It has a joining fee of ₹2,500 and an annual fee of ₹2,500 and pays rewards as Reward Points. Fee waiver: renewal fee waived on annual spends of ₹4,00,000.
Key facts
| Bank | HDFC Bank |
|---|---|
| Network | Visa, Mastercard |
| Still issued? | Yes |
| Joining fee | ₹2,500 |
| Annual fee | ₹2,500 |
| Fee waiver | Renewal fee waived on annual spends of ₹4,00,000. |
| Rewards paid as | Reward Points |
| One point is worth | ₹0.5 |
| How the points are used | ₹0.50 per point on flights and hotels booked with points on HDFC SmartBuy (up to 70% of a booking, at most 50,000 points a month); points last 2 years |
| Other ways to use the points | catalogue products and vouchers (up to ₹0.35 each); credit against the bill (₹0.15 each) |
| Checked on | 22 Oct 2026 |
Official page: HDFC Bank
Rewards in every app
| App | Reward | Min. order | Limit | Rank |
|---|---|---|---|---|
| MyntraFashion | 6.25% as Reward Points | ₹200+ | Up to ₹2,500 per calendar month | #4 of 50 |
| NykaaBeauty | 6.25% as Reward Points | ₹200+ | Up to ₹2,500 per calendar month | #2 of 50 |
| Reliance DigitalElectronics | 6.25% as Reward Points | ₹200+ | Up to ₹2,500 per calendar month | #2 of 50 |
| Airtel ThanksBills and recharges | 1.25% as Reward Points | ₹200+ | Up to ₹1,000 per calendar month | #10 of 50 |
| AJIOFashion | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #20 of 50 |
| AmazonOnline shopping | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #22 of 50 |
| Apollo 24|7Pharmacy | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #16 of 50 |
| BigBasketGrocery | 1.25% as Reward Points | ₹200+ | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) | #22 of 50 |
| BlinkitQuick commerce | 1.25% as Reward Points | ₹200+ | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) | #24 of 50 |
| BookMyShowMovies and events | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #22 of 50 |
| CleartripTravel | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| DistrictMovies and events | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #18 of 50 |
| Domino'sFood delivery | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| FlipkartOnline shopping | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| GoibiboTravel | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #20 of 50 |
| ixigoTravel | 1.25% as Reward Points Cardholder reports | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #14 of 50 |
| JioMartGrocery | 1.25% as Reward Points Cardholder reports | ₹200+ | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) | #17 of 50 |
| MakeMyTripTravel | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #19 of 50 |
| MeeshoOnline shopping | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #17 of 50 |
| PVR INOXMovies and events | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #22 of 50 |
| SwiggyFood delivery | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #31 of 50 |
| Swiggy InstamartQuick commerce | 1.25% as Reward Points Cardholder reports | ₹200+ | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) | #21 of 50 |
| Tata CLiQFashion | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #16 of 50 |
| Tata NeuOnline shopping | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #15 of 50 |
| UberCabs | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #23 of 50 |
| ZeptoQuick commerce | 1.25% as Reward Points | ₹200+ | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) | #20 of 50 |
| ZomatoFood delivery | 1.25% as Reward Points | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #30 of 50 |
| IRCTC Rail ConnectTrain tickets | 0.07% as Reward Points Cardholder reports | ₹200+ | Up to ₹25,000 per statement cycle (one limit shared with the card's other apps at this rate) | #12 of 50 |
Where other cards earn more
- Airtel Thanks:Airtel Axis earns 25% back, against 1.25% as reward points on HDFC Regalia Gold.
- AJIO:HSBC Live+ earns 10% back, against 1.25% as reward points on HDFC Regalia Gold.
- BigBasket:HSBC Live+ earns 10% back, against 1.25% as reward points on HDFC Regalia Gold.
- Blinkit:Airtel Axis earns 10% back, against 1.25% as reward points on HDFC Regalia Gold.
- BookMyShow:Axis Neo earns 10% off, against 1.25% as reward points on HDFC Regalia Gold.
- District:Airtel Axis earns 10% back, against 1.25% as reward points on HDFC Regalia Gold.
Questions people ask
Where does HDFC Regalia Gold earn the most?
HDFC Bank Regalia Gold Credit Card earns its highest rewards on Myntra (6.25% as Reward Points), Nykaa (6.25% as Reward Points) and Reliance Digital (6.25% as Reward Points).
What is the annual fee of HDFC Regalia Gold, and can it be waived?
HDFC Regalia Gold has a joining fee of ₹2,500 and an annual fee of ₹2,500. Renewal fee waived on annual spends of ₹4,00,000.
How much is one HDFC Regalia Gold point worth?
About ₹0.5 each when used as the bank shows first: ₹0.50 per point on flights and hotels booked with points on HDFC SmartBuy (up to 70% of a booking, at most 50,000 points a month); points last 2 years. Other options: catalogue products and vouchers (up to ₹0.35 each); credit against the bill (₹0.15 each).
Is HDFC Regalia Gold still available?
Yes, the bank still issues it to new customers.
Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.